To be honest, I think it is too. We are talking about three different departments, which are new accounts, account specialist, and collections. They could care less about a holiday, they still want the money that is owed to them:laugh:

Nice thinking! Bored reps means a big hassle!
Thanks! I will keep this post bookmarked for (hopefuly not) the future.

anytime is great, make sure though you CMRR them, and make the letter personal, not from the internet. In addition if they have done anything that breaks FACT or FCRA rules tell them if not corrected then you will be more than happy to see them in court and get free $100. Its the law

What a great idea!

Sounds kinda like a myth to me. But I'll keep that in mind.

the best time to dispute anything on your credit report is on Black Friday(the day after thanks giving) or November or December of the year because the big 3 are sooo swamped with calls and investigations, the cus ser reps,managers, investigators have a quota to meet each month and they are trying thier best to just clear they case load and sometimes they dont even read the whole complaint/dispute they just go by keywords and plus this helps the economy in a big way really becase once you get that out the way you can apply for more credit meaning more money for the crteditor and more money for the retailers as far as they profit margin during the holidays
says...uzipolo king of decatur

Why didn't you closed the account? If it was me, I'd probably get tired of disputing charges for 3years.

Good luck FutureEsq! Keep us posted on updates.

I sent off my three dispute letters, certified mail, to the big three today. Cross your fingers that some of these badies fall off my report!

You are fine relid, thanks for sharing the info. Your posting will open doors for others to give it a shot. I mean, what could go wrong?

Yep, but it's always good to dispute everything!!! Yes, I mean EVERYTHING negative that shows up on your credit report. Remember, that the credit reporting agencies have to get back with you in 30-45 days after they complete their investigation. Therefore, if they do not have enough time, or the creditor does not send requested information in time, the items might get deleted from your file.

This works approximately 25% of the time.....so it's worth of trying

I wasnt sure where to put this but I thought I would share. Tthey said i had a 1699 $ bill
because what was happening is when they went from cingular to att,. I mean att to cingular. they kept charging me for long distance. I would call every month cuz they would charge me long distance, and then the dude was like well just change account #s then when i did 3 months later i got a huge bill. Yeah so i was like i owe u guys maybe 200-300$, so the guy was like lets make it 300 and call it even. then when i did that i kept getting collection calls, so I told the representatives Calling me that I shouldn't have to pay for it there mess up... This is the 3rd year I've disputed this charge and it finally showed up PAID IN FULL 0$ balance, So maybe my credit score will finally go up.. justice is served!Anyone else have any success with disputes?